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Employer contribution per participant is in the bottom quintile of the peer cohort.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $187,420 | $217,427-13.8% | $185,837+0.9% | $167,518+11.9% |
| Participation rate | 100.0% | 86.0%+14.0pp | 81.7%+18.3pp | 82.1%+17.9pp |
| Annual return | 9.79% | 148.39%-138.6pp | 122.08%-112.3pp | 478.71%-468.9pp |
| Employer contribution / active EE | $1,034 | $5,874-82.4% | $5,168-80.0% | $4,838-78.6% |
| Participant deferral / active EE | $9,658 | $6,357+51.9% | $5,568+73.4% | $6,342+52.3% |
| Admin fee / account holder | $5,682 | $19,816-71.3% | $16,241-65.0% | $12,312-53.9% |